China Construction Bank Fund Fixed Investment: The fixed investment of the fund, like the lump-sum deposit and withdrawal of the bank, is a popular investment method all over the world. From the perspective of financial management, the four advantages of the fund's fixed investment are obvious: average cost, reducing risk; Saving and investment kill two birds with one stone; Compound interest effect, gathering sand into a tower; Avoid timing and lazy people invest.

Pay attention to when choosing a fixed investment fund:

1, insist. You must be prepared to buy a fund for a long time, at least for three years. Only in this way can it be effective and we must stick to it.

2. Suitable. Choose the fund that suits you according to your property status and hobbies, and choose the proportion that suits your investment. The investment ratio is generally around 30% of your income. Do what you can.

3.as soon as possible. The sooner you buy a fund, the greater the income.

Related concepts of fund fixed investment

1. Fund type:

According to different investment objects, funds can be divided into stock funds, bond funds, hybrid funds and money market funds. On the premise that risk and income are in direct proportion, the product risk arrangement is as follows: stock fund >; Hybrid fund > bond fund > money market fund.

2. Fund fixed investment fee:

Like other open-end funds, investors need to pay the subscription fee when they make a fixed investment in the fund and the redemption fee when they redeem it. In order to encourage investors to invest for a long time, banks sometimes offer preferential interest rates to fixed investment customers.

Fund type: dividend and reinvestment: reinvest the income to be shared in the fund and convert it into a corresponding number of fund shares to expand the investment scale. Long-term persistence can have the effect of compound interest.

3. Fund Type Fund Conversion:

During the duration of the fund, investors can convert all or part of their fund shares into other open-end fund shares managed by the fund manager. At present, most funds have opened conversion business.

4. Net unit value and accumulated net value:

The net unit value is the balance after deducting liabilities (including fund company management fees, etc.) from the total market value of fund assets on that day. ), that is, the net asset value of the fund represented by each fund unit; After the establishment of the fund, the unit net value plus the cumulative dividend amount, if the unit net value of a fund is 65,438+0.6 yuan and the cumulative net value is 65,438+0.89 yuan, it means that the dividend per unit share has been 0.29 yuan since its establishment.